The website penizenauteku.cz is an official financial education portal managed by the Czech National Bank (Česká národní banka). It provides comprehensive free resources aimed at improving financial literacy among the Czech public, including budgeting, loans, insurance, savings, and fraud prevention. The site is well-branded, professionally designed, and offers clear navigation and relevant content tailored to general consumers. The presence of official CNB logos and social media links reinforces its authoritative position in the market.
Technically, the site is built on the OpenCms platform and uses jQuery 2.2.0 along with Google Tag Manager for analytics and cookie consent management. The site is mobile-optimized and accessible, with good SEO practices. However, some technical improvements could be made, such as updating libraries and adding security headers.
From a security perspective, the site uses HTTPS and implements cookie consent mechanisms compliant with GDPR. No critical vulnerabilities or exposed sensitive data were detected. The absence of WHOIS data for the domain is a notable anomaly that slightly reduces trust but is mitigated by the strong official branding and presence.
Overall, the website presents a low-risk profile with a strong focus on user education and compliance. Strategic recommendations include improving WHOIS transparency, enhancing security headers, and publishing explicit security policies to further strengthen trust and security posture.
Scanned ·
NIS2 and GDPR posture
GDPR outside view
40/ 100 · High
Checks completed
7of 7
NIS2 Art. 21(2)
a(a) Risk analysis and security policies: Not visible from outside
b(b) Incident handling: One indicator
c(c) Business continuity, backups and crisis management: Not visible from outside
d(d) Supply chain security: Not visible from outside
e(e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
f(f) Assessing the effectiveness of security measures: Not visible from outside
g(g) Cyber hygiene and security training: Not visible from outside
h(h) Cryptography and encryption: Partly checked
i(i) HR security, access control and asset management: One indicator
j(j) Multi-factor authentication and secured communications: Not visible from outside
Partly checked
One indicator
Not visible from outside
This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.
GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.
Priority findings
6 findings rated critical or high. Fix these first.
GDPR outside view
These are the privacy signals visitors and data protection authorities look for under GDPR.
Critical
EU business without adequate privacy measures
EU businesses are subject to strict GDPR requirements
What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures
High
No Privacy Policy found
GDPR requires a clear and accessible privacy policy
What to do: Add a comprehensive privacy policy page and link to it prominently
Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.
High
Missing Strict-Transport-Security header
Forces HTTPS connections
What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"
This scan found 23 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.
Daily monitoring
Recommended
€25per month
TLS certificates and expiry
DNS records
SPF, DKIM and DMARC
Security headers
GDPR and NIS2 posture
Exposed services
Third-party trackers
Security score drift
Email alerts on material changes and an exportable JSON history of every change.
Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.
Results by check
Each check with its score, findings and the evidence it collected.
How this score is calculated
The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.
Counted in this score
SSL/TLS
67
Security headers
30
Email security
70
DNS health
75
Network security
100
GDPR outside view
40
Average
64
Not counted
NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.
Findings that cap the score at 49
Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.
The certificate is not trusted by browsers
The website is not served over HTTPS
A database, remote desktop, file-sharing or Telnet service is reachable from the internet
The page loads a script from a compromised source
The domain registration has expired
SPF authorises every server to send mail as the domain
Partial scans
When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.
Risk levels
Critical0–25
High26–49
Medium50–75
Low76–100
Breach exposure
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Dark web exposure
Add-on
Leaked records that mention penizenauteku.cz, from OffSeq Breach.
No leaked records found
Breach holds no records for penizenauteku.cz right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Business context
Business profile
Penizenauteku.cz operates as a government-backed financial education initiative under the Czech National Bank, targeting Czech consumers seeking to improve their financial knowledge and management skills. Its market position is strong due to its official status and comprehensive content offerings. The business model is non-commercial, focusing on public service and consumer protection. Key services include educational articles, interactive quizzes, financial subject searches, and fraud awareness. The site leverages partnerships with CNB and digital agencies for content and technical support. Growth indicators include active social media presence and continuous content updates. The ecosystem is tightly integrated with CNB's broader financial oversight and consumer protection mandate.
Security posture
The website demonstrates a moderate to good security posture with HTTPS enforced and a cookie consent mechanism aligned with GDPR requirements. However, the lack of visible security headers such as Content Security Policy (CSP), X-Frame-Options, and HSTS is a gap that could expose the site to certain web-based attacks. No incident response or security policy pages were found, indicating room for improvement in transparency and preparedness. The use of an older jQuery version may pose some risk if not regularly patched. No vulnerabilities or sensitive data exposures were detected in the HTML content. Overall, the site is secure for its purpose but would benefit from enhanced security controls and documentation.
Recommendations
Publish a dedicated security policy and incident response information page to improve transparency and user trust.
Implement and enforce security headers such as CSP, HSTS, X-Frame-Options, and X-Content-Type-Options.
Update JavaScript libraries, especially jQuery, to the latest secure versions to mitigate known vulnerabilities.
Investigate and resolve the missing WHOIS data issue to improve domain registration transparency and trust.
Enhance visibility of official contact information for security incidents and general inquiries.
Site observations
Automated reading of the public site. Ratings are indicative.
Business
Company
Česká národní banka
Description
Web zaštiťuje Česká národní banka, ústřední banka České republiky, která poskytuje finanční vzdělávání a poradenství zdarma. Cílem je pomoci uživatelům lépe spravovat osobní finance, rozpočet, půjčky, pojištění, spoření a další finanční služby.
Key services
finanční vzdělávání, poradenství v oblasti rozpočtu, informace o půjčkách, pojištění, spoření, informace o životních událostech a finančních dopadech, varování před podvody, vyhledávání finančních subjektů, kvízy a slovníček pojmů
Content quality
excellent
Branding
consistent
Technology
Stack
jQuery 2.2.0, Google Tag Manager, cookieconsent.js
Frameworks
OpenCms (detected from resource paths)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good
Security
Observed score
75/100
Good practices seen
HTTPS usage implied by URL
Cookie consent mechanism implemented
No exposed sensitive data in HTML
Analytics and tracking
Services
Google Analytics
Tracking level
moderate
Privacy practices
good
Advertising
Tracking pixels
Google Analytics via Google Tag Manager
Transparency
good
Site quality
Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high
Key observations
Website is a Czech National Bank financial education portal.
Content is comprehensive, professionally designed, and well-structured.
No direct contact emails or phone numbers found on the site.
Cookie consent and privacy policies are implemented and GDPR compliant.
WHOIS data is missing or inaccessible, which is unusual for a government-related domain.
No security headers detected in the HTML source; potential area for improvement.
Uses OpenCms CMS and jQuery 2.2.0, which is somewhat outdated but functional.
Google Tag Manager and Google Analytics are used for tracking with user consent.
No signs of adult or questionable content; content is safe for general audiences.
Technical notes
Notes
The website is built on the OpenCms content management system, utilizing jQuery 2.2.0 and Google Tag Manager for analytics and cookie management. The site is mobile responsive with good accessibility and SEO optimization. Performance is moderate, with video backgrounds and SVG graphics used for visual appeal. The technical stack is somewhat dated but functional. No major technical debt or critical risks were identified, though updating libraries and adding security headers would modernize the infrastructure. Hosting provider details are not disclosed. Overall, the technical implementation supports the business goals effectively with room for modernization.
Standards and sources
Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.
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